Chapter 1455 How to persuade a businessman - of course hit him with money
"Diego Medici, would you like to guide the Ming Dynasty's banks and guide them on how to carry out these businesses?" Yunxi suddenly said to him in English.
"I'm sorry, Your Majesty, I didn't hear you clearly." Diego Medici was stunned for a moment and said.
Yunxi repeated it. Diego Medici listened to Yunxi's English again and made sure that he heard it correctly. He suddenly didn't know what he should answer. Instructing Daming Qianzhuang? In order to increase his opponents? Although now
It seems that it is impossible for the banks in Florence to conduct business in the Ming Dynasty, but there is no reason to tell their peers these perfect business management systems that were created by elite bankers and used by countless people.
"Dear His Majesty the Emperor, how these businesses are carried out and the management system are commercial secrets. Please forgive me for my difficulty in obeying His Majesty's words." He finally replied.
"You misunderstood what I meant." Yunxi smiled and said, "I won't let you guide Daming Bank in vain."
"What I mean is: Let you guide two banks in Ming Dynasty. These two banks will pay you according to the business items. One payment per business, and the payment will definitely satisfy you."
"You can also own shares in these two banks. You need to discuss the specific number of shares with the bank yourself, but I guarantee that it will not be less than 0%. If a certain bank is willing to pay less than 0% of the shares, you can ask
"These two heads of the Ming Dynasty Bank Headquarters," Yunxi pointed at Xiao Yong and Zhang Wuji, "proposed to change the bank until you are satisfied."
"I also understand that although the ruler of Florence has no purpose in sending you here, if there is an unexpected surprise, it will be good for you. I will issue an order to Qin Fan and set up a bank in Qin Fan's Shipping Department
, owned by six parties: Ming Dynasty, Qin Fan, Castile, Venice, Genoa and Florence. Ming Dynasty owns 40% of the shares, Qin Fan owns 11%, Castile and Venice, Genoa owns 1%, and Florence owns
10%.”
"This bank is specifically responsible for business related to trade with your European countries, including currency exchange, accepting deposits, issuing coins, allowing merchants to open accounts, and carrying out check exchange business, etc."
"You should be able to imagine what kind of benefits this monopoly bank will get. Even if it only owns 10% of the shares, it will get huge profits. And this is a completely unexpected benefit for Florence, and it will help you consolidate your position in Florence.
Status has its benefits.”
After saying this, Yunxi wiped the sweat from his forehead. The English he just said to Diego Medici was actually far beyond the level of his previous life. In this life, he had nothing to do with Clavier.
He was asked to study. However, he was not very attentive when studying. Although his oral proficiency was very strong because of one-on-one foreign teachers, his vocabulary might not be as good as in his previous life. If he had not been relatively interested in European economics, he had memorized relevant professional knowledge.
It is impossible to communicate smoothly with Diego Medici if there are nouns.
"This, this," Diego Medici hesitated. It would be good to get these, but if he had to tell his colleagues in the Ming Dynasty most of the business management systems he knew, if they were to be spread back to Europe, then...
"Don't worry, except for the people present, no one else will know that you taught these things to Ming Dynasty Qianzhuang." Yunxi seemed to have guessed what he was thinking, and said.
"Dear Your Majesty the Emperor, if what you said can come true, I am willing to teach the Qianzhuang of the Ming Dynasty what I know." Diego Medici finally made up his mind.
Hearing these words, Yunxi showed an "unsurprising" smile. Although the spread of business operation and management systems is not a good thing for the entire European banking industry, it stands to reason that all practitioners should not teach these to Daming Bank.
, but personal interests and industry, or group interests are not always consistent. Diego Medici refused to teach these to the Ming Dynasty's bank, and Yunxi would not get everything he promised, and even if he returned
When people in Florence found out about this, they could only praise him a few words, and their shares in the Medici Bank would not increase by even 0.1%; and as long as he agreed, the huge benefits promised by Yun Xi would definitely become his.
Moreover, Florence can also benefit, at least their family's Medici Bank can benefit, and his "collaboration and betrayal" behavior will not be known. Anyone who has normal thinking will make the same mistake as Diego.
·The same choice as Medici.
"Xiao Yong, Wuji, Diego Medici has agreed to tell the two money banks of the Ming Dynasty how to run the business of Fu Fu State that he just mentioned." Yunxi changed to Chinese at this time and said to the two of them,
And he used the word fulu. When he was communicating with the locals there just now, he could call it Europe according to their habits. Now when he is communicating with his own people, of course he must use the vocabulary of the Ming Dynasty. And he has been speaking in English just now, and in English he also
There will not suddenly be an additional word referring to Europe. It is impossible to even think of the word fufu.
"Your Majesty, is this true?" Xiao Yong asked emotionally. Yunxi and Diego Medici had been speaking in English just now. He couldn't understand it at all, and he didn't dare to ask what he had understood about what they exchanged.
I don’t know, but when I suddenly heard Yun Hei say this, I couldn’t help being surprised and happy, and couldn’t believe it.
"Of course it's true." Yunxi smiled and said, "How could I be joking randomly?"
"Great!" Zhang Wuji also exclaimed in surprise. As people with the title of Metropolitan Procuratorate and actually in charge of the business and financial industry, they still know something about the financial industry. Of course, they know that Diego Medici
As long as the above-mentioned businesses can be carried out smoothly, the money earned by the bank will definitely increase rapidly. It will also be good for them.
"But you two must remember that I only asked him to teach two banks." Yunxi emphasized again. Let Diego Medici guide these two banks, but you will actually have to pay tuition. Yunxi promised the benefits
It's the tuition. But compared to waiting until the Fu Fu people's bank opens at the doorstep, now the tuition is only paid to Diego Medici, and the total amount is much less.
Since tuition fees need to be paid, not all banks may be willing, and Yunxi has no interest in letting Xiao Yong and Zhang Wuji persuade all the banks. He just singles out two banks as 'reform pilots' or 'special economic zones'. Wait until other banks find out that these two banks have to pay tuition fees.
When the profits from the business promoted by Jia Xin skyrocket, he will take the initiative to learn and achieve his goals naturally.
"And these two families have to pay some money." He told Xiao Yong and Zhang Wuji the terms of his agreement.
"Pay at least 20% of the shares?" After hearing this, Xiao Yong hesitated for a moment, but immediately agreed. He could foresee what kind of profits these businesses would bring, and 20% of the shares would not be a loss at all. Zhang Wuji thought the same way.
.
"It's up to the two of you to choose between these two banks, and each of you will choose one." Yunxi said again.
"Thank you, Your Majesty!" The two of them agreed in unison, faster than before, and with gratitude to Yunxi in their hearts: 'Brother-in-law is good to his relatives.'
The matter was finalized, and the three parties involved were very happy. Yunxi promoted the development of the Ming Dynasty's financial industry, Diego Medici would get a lot of money, Xiao Yong and Zhang Wuji gained political capital, and everyone was happy.
Feeling happy, Yunxi couldn't help but relax a little, and chatted with Diego Medici about the different customs of the East and the West, as well as the human geography of various places. While chatting, Yunxi suddenly thought of something and couldn't help but ask: "You guys
The development of the banking industry in Europe was probably due to the needs of commercial development."
"Yes, His Majesty the Emperor, you are right."
"Compared with Europe, today's cannibalistic business is not only not weaker, but more developed."
"Although I really don't want to admit it, it is true. The Great Cannibal controls the middle section of east-west trade, and commerce is more developed than in Europe."
"Then why haven't they developed the same banking industry as Europe?" Yunxi asked his doubts.
He just suddenly remembered: There are big merchants in Shanghai and Bao'an Shipping Departments. Many people came to do business when Shanghai Shipping Department was first opened more than ten years ago. They should understand the development level of the financial industry in Ming Dynasty. But
They did not open a more advanced bank. It can be seen that the development of the financial industry of the Great Cannibal is likely to lag behind that of the Ming Dynasty. How could this be?
"Your Majesty the Emperor, the reason for this matter is this. The Great Eaters all believe in the Tianfang Sect, and the teachings of the Tianfang Sect stipulate that interest cannot be charged for lending money to other Tianfang believers. And if interest cannot be charged, who will
Lending money to people who are not close to you? Even if there are a few people who like to do charity, most people don't. Therefore, it is impossible for Daochan, including all Tianfang believers, to develop a bank. As for dealing specifically with non-Tenfang believers
, it is impossible to open such a bank, because other Tianfang believers will go to this bank for loans, which will reduce the bank's profitability and have to close down."
"Then how do modern banks operating in cannibal countries make profits?" Yunxi wondered. He didn't know if the cannibals opened banks, but there must be banks in cannibal countries. Could it be that these banks are all pointing to foreign countries?
Make money from the cash flow tourists bring?
Yunxi didn't know that in fact, after hundreds of years of exploration in later generations, the Great Eaters had figured out how to get around the prohibition of charging interest. When a bank lends a sum of money to an enterprise, it does not charge the interest on the loan.
Instead, it shares the profits from the investment with the company. Similarly, when a company or individual deposits money into a bank, the money is not regarded as a deposit, but is regarded as a contribution to the bank's use of the funds.
Investment in commercial activities, so depositors can share in the bank's investment profits in a pre-agreed ratio.
Of course, the current lack of banks does not impose too many restrictions on business. The cannibals have not yet begun to explore how to circumvent religious regulations, and of course they will not open banks or banks.
Since he was talking about the Tianfang believers, Diego Medici also talked about the Tianfang believers in other places. He first talked about the current situation of the Tianfang believers in the Central and Western (Western Asia) regions, and then talked about the Merga Hunter (Africa).
) Northwest. "In Northwest Africa, there are now many countries, of which three have the largest territorial scope, and all other countries are vassal states of these three countries. The most powerful among them is the Khasif dynasty that occupied Tunisia. This
A country is very powerful and its business is very developed. Part of the business of our Medici Bank is carried out in front of Mrs. Hass; the Giannid dynasty, which is close to the Hassif dynasty, is weaker and has to deal with the Hassif dynasty.
The Husband dynasty expressed its surrender; but the Hasf dynasty also found it difficult to annex it. To the west of the Giannid dynasty, there was the Marin dynasty, which was also very powerful and had long supported the Moorish regime in the Iberian Peninsula.
Tilia, Aragon and Portugal are at war with each other. Their current strength has declined, but they are still relatively strong."
After introducing the three countries in the northwest of Merga, Diego Medici was about to continue the introduction when he was suddenly interrupted by Yun He: "You said that the Hasif dynasty that occupied Tunisia was very powerful?"
"Yes. Your Majesty the Emperor, of course this country cannot be compared with the Ming Dynasty in terms of power, but in the West, it is already considered a powerful country." Diego Medici said.
"Then, with the national strength of Castile, is it possible to conquer this country within five years?" Yunxi asked in a slightly changed voice, but it was not noticed by anyone present, including Xiao Yong and Zhang Wuji.
"Absolutely impossible!" Diego Medici said categorically: "The Kingdom of Castile is indeed more powerful than the Khasif Dynasty, but don't say it is limited to five years, even if there is no time limit, even if Aragon is added
Kingdom, it is difficult to say whether Castile can conquer the Hasifud Dynasty on land, let alone a limited time."
"If the target is replaced by the Giannid Dynasty, it will be almost the same. With the power of Castile and Aragon, it is possible to conquer within five years. But it is also based on the premise that the Hasf Dynasty does not interfere significantly.
." He added.
"I see." Yunxi narrowed his eyes, but he didn't say anything more, but talked about something else.
Yunxi chatted with him for more than half an hour, and Xiao Yong and others kept company. Yunxi sometimes spoke directly to Diego Medici in Chinese and sometimes in English, so Xiao Yong and Diego Medici listened.
The things that came in were intermittent, and I didn’t quite understand what they were talking about. I felt very boring. Zhang Wuji couldn’t help but start to think about his wife who also entered the palace today. Yunzhi had been in the palace frequently in the past two months, but she had been pregnant with her before.
She has been having the baby at home, so it is normal for her to be more diligent during the past two months. However, she entered the palace this time after hearing that her brother-in-law was going to send me to India. She was very happy when she heard the news last night
, and immediately decided to enter the palace today. What is she happy about? What is she going to do when she enters the palace today?'
Zhang Wuji was thinking about it when he suddenly heard Yun He say: "It turns out that it's already this time. Diego, I still have something to do. I'll chat with you when I have time."
"If your Majesty is interested in the West, you can send someone to Fanguan to call me at any time." Diego Medici stood up and said.
Yunxi nodded, said a few more words, and asked him to step back. After that, he was about to give instructions to Xiao Yong and Zhang Wuji, when he suddenly saw Ai Changyuan, who was half sitting aside, and then realized that he had ignored him and thought about it.
I wanted to say: "After Xiao Fuxian and Zhang Qianxian select these two banks, you can also send some clan members to study there."
"Thank you, Your Majesty." Ai Changyuan immediately knelt down and saluted.
"But you must remember that you must not leak anything that I discussed with you dear friends today!" (To be continued)